1) insufficient credit history 2) insufficient income 3) (I am so upset I can't remember the 3rd) Anyhow, I called HAF and the reps couldn't help... they kept saying to resubmit another app, but that will mean another inquiry. The decision was taken based on my Equifax report. Insufficent C. History??? 17 months don't count??? Insufficient income??? isn't 40K/yr good enough??? Equifax pisses me off... I detect foulplay here... about the only positive is that I get to see my Equifax for free. Guys & Girls you are so welcome to opinions, I need an emotional lift !!